A pensions expert has called for there to be early access to the state pension as there is a risk some people may not live to claim their payments.

Kate Smith, head of pensions at Aegon, told Express.co.uk: “We’re very keen that people should be able to take it up to three years earlier at a reduced amount.

“That’s something they might look at, but they do need to work out the benefits system as well to see what would happen there.”

She said this would help those who may not live to reach…